Despite quite a large number of information in the media about reforming the pension system, for the majority the difference between labor and pension remains unclear, many do not understand what a pension point and bonus coefficient are. Also, citizens are quite skeptical about non-state pension funds (NPFs) - often because of the word "non-state". But the biggest question still remains pension calculation.

How is the pension calculated?

Until 2015, the provision of pensions for working citizens and members of their families was regulated by the Federal Law of December 17, 2001 N 173-FZ. The old-age labor pension (it is the most common type of pension) consisted of two parts - funded and insurance.

However, in 2013, two laws, which actually identified the concepts "labor" and "insurance" pension.

• From January 1, 2015, citizens who have and meet certain conditions are paid insurance pension.
• In some cases (depending on the decision of the citizen himself), it is supplemented by another independent payment - a funded pension.

The procedure and conditions for the appointment of these pensions are indicated in Federal Laws N 400-FZ and N 424-FZ (respectively for insurance and funded pensions).

The main changes brought about by the year were new formula for calculating pensions, as well as requirements for . According to these requirements, in order to receive an old-age insurance pension, a person must:

• have at least 10 years of insurance experience in 2019 (periods when the Pension Fund of Russia received insurance contributions from employers) for at least 10 years, and until 2024 inclusive, this requirement will increase by one year annually;
• availability of the required number of pension points (the value in the new formula) from 16.2 in 2019 and further to 30 in 2025;
• reach the generally established - 65 years for and 60 - for, taking into account the transitional provisions of the law on (there are certain categories of citizens eligible for).

New formula for calculating insurance pensions

In order to navigate the new formula, it is necessary, first of all, to understand the terminology of the Federal Law "About insurance pensions":

• (IPK or pension point) - a special value that depends on the amount of insurance premiums (and hence on wages) paid by employers;
• - multipliers created to motivate citizens later than they became eligible for it, work according to a simple principle: the longer you do not retire, the more you will have it;
• - a state-guaranteed amount, an analogue of a fixed base amount in the law "On labor pensions in Russian Federation» .

In general, the new formula for calculating the old-age insurance pension can be written as follows:

SP \u003d IPC x SIPC x K + FV x K, where:

• joint venture- the amount of the old-age insurance pension;
• IPK- the amount of pension points accumulated at the time of calculation;
• SIPC- the cost of the individual pension coefficient;
• To- premium coefficients (they have different values ​​for a fixed payment and pension points);
• FV- Fixed payment.

The value of the individual pension coefficient (IPC)

For a better understanding of the above formula, it is important to know how the number of pension points is calculated:

IPK \u003d SV / SV max x 10,

This means that the primary task of future pensioners is to accumulate as much money as possible. large quantity pension coefficients, because even in the case of indexation, the cost of the IPC will not fundamentally change.

Fixed payment amount

Fixed benefit (FB) is a guaranteed amount added to the insurance pension by the state. According to part 8 of Art. 10 of Law No. 350-FZ, the amount of the fixed payment from January 1, 2019 is RUB 5334.19

Under certain circumstances and conditions, the size of the PV can be further increased. These circumstances may be:

• establishment of I group of disability or;
• the presence of experience of 15 years in the Far North or areas equated to it;
• later (due to premium coefficients).

Below is a table that reflects the dependence of the amount for a fixed payment on the period for which a citizen delays or suspends receiving pension payments:

As can be seen from the data presented above, if you do not retire within 10 years after receiving the right to it, but, for example, continue to work, then in addition to the additional (and therefore pension points), the citizen will receive an increase in the fixed payment more than twice.

But you need to understand, for example, that the average life expectancy in our country is 66 years, and you will have to wait until 75 - how cost-effective it is, each citizen must decide for himself.

How to calculate the old age pension yourself?

The calculation method, at first glance, is not complicated and consists of the following steps:

• calculate the number of pension points based on gross wages;
• in the event that it is planned not to retire after receiving the right to it, we look in the table of coefficients the right time and multiply the number of pension points and the fixed payment by the corresponding values;
• we multiply the cost of one individual pension coefficient by the number of points;
• add up the resulting amount with a fixed payment.

However, the whole difficulty lies in the fact that such quantities as a fixed payment, the cost pension point and gross wages are non-constant values: if the PV and the cost of IPC only increase (index), then wages change many times over the course of a career.

Therefore, any calculations regarding the dimensions future pension wear approximate character and serve only as a guide for citizens.

Citizen Ivanov, after graduating from the university in 2018, was offered a job from January 1, 2019. He is 23 years old, the official salary will be 50 thousand rubles on average before taxes. He plans to work until his retirement. There will be no funded pension. Let's calculate the amount of the pension that he will be able to receive upon reaching the age of 65:

1. We calculate the insurance experience: 65 - 23 = 42 years;
2. We calculate the number of pension points that Ivanov will receive in one year: (50,000 x 12 x 0.16) / (1,150,000 x 0.16) x 10 = 5.217 points, where
   • 12 - number of months;
   • 0.16 - the rate of insurance premiums (16% when forming only an insurance pension);
   • 1,150,000 - the maximum taxable base in 2019 (Government Decree No. 1426 of November 28, 2018).
3. We multiply the number of points by the number of years that these points will be formed: 5.217 x 42 = 219.13 points;
4. We calculate the product of the number of IPC and its cost (according to data for 2019): 219.13 x 87.24 = 19116.94 rubles;
5. Add to this the size of the fixed payment: 19116.94 + 5334.19 = 24451.13 - this will be the amount of the old-age insurance pension, calculated taking into account the standards of 2019.

Once again, it is worth noting that the values ​​of the quantities as of January 1, 2019 were used in the calculation. Given the indexation of both the value of the pension point and the fixed payment, it can be concluded that the pension will slightly higher than the one that turned out in the calculation (commensurate with inflation).

Photo pixabay.com

Formula for calculating funded pension

Highlighted funded part labor pension in independent view pension payments. At the same time, citizens have a choice: or not. If the first option is chosen, then the insurance premiums are divided: 10% of the gross salary goes to the insurance pension, 6% - to the funded one. In addition, future pensioners had the opportunity to participate in and further increase their savings. However, since 2015, the possibility of joining the program has ceased.

Please note that the accumulated funds are not indexed by the state and are not protected from inflation, so you need to carefully consider the choice of an organization that will deal with capital management.

According to Article 7 of the Federal Law "On funded pensions" calculation formula funded pension as follows:

NP = PN / T,

• NP- the size of the funded pension;
• Mon- the sum of all pension savings in the special part of the personal account of the insured person (including savings formed with the help of maternity capital, state co-financing etc.);
• T- the estimated period during which the pension will be paid, equal to 252 months in 2019.

The contributions to the funded pension depend on wages and make up 6%.

At the time of retirement, Citizen Petrov had 300,000 rubles in savings. To calculate the amount of payments, it is required to divide the amount of pension savings by the period that a citizen will receive a funded pension:

300000 / 252 = 1190.48 rubles.

How to find out the amount of pension savings?

In the era of the Internet and communication technologies, there are quite a few ways to find out almost any information. Information on pension aspects is no exception:

• Now you can calculate your pension without leaving your home, sign up for a consultation with the FIU.
• And besides this, through your personal account on the official website of the Pension Fund of Russia, as well as through the bank (subject to the availability of relevant agreements), you can find out the amount of your pension savings that will be used to form your funded pension.

How long do you have to work to receive a pension of a given size?

Of course the answer to this question cannot be unambiguous and depends too much on many factors - the size of wages and fixed payments, as well as the value of the individual pension coefficient. It is also necessary to take into account in which the citizen retires, and whether he will suspend receiving it after her appointment, keeping in mind the premium coefficients for the above values. In addition, there are bonuses for working in the Far North, etc. Therefore, the calculation of the length of service required to receive a certain amount is the same approximate character, as well as the calculation of the pension itself.

To answer this question, you first need to form an algorithm by which the length of service will be calculated:

• subtract a fixed payment from the amount of the pension;
• we divide the remaining amount by the cost of the pension point - we get their number;
• from the formula for calculating the IPC we calculate the amount of insurance premiums;
• we divide the CB by 0.16 and determine how much you need to earn for your entire labor activity
• we divide what we got by the estimated salary multiplied by 12 months.

In the event that it is required to find out not the length of service, but the required salary, in the last paragraph the division must be carried out by the expected length of service.

Citizens A and B want to receive a pension of 20 thousand rubles. A knows for sure that he will receive a stable salary of an average of 40 thousand rubles, and B is sure that he will work until his retirement, he is 22 years old. How long does it take for A to work, and what wages does B need to earn to be able to receive the desired payout?

For citizen A:

• 20000 - 5334.19 = 14665.81 rubles, where:
  • 20000 - the expected amount of the pension;
  • 4982.9 - the amount of the fixed payment as of January 1, 2019.
• 14665.81 / 87.24 = 168.11 (number of points), where:
  • 87.24 - the cost of one pension point (rubles) from 01/01/19;
• SV = 168.11 x 1,150,000 × 0.16 / 10 = 3,093,201.56 (the amount of insurance premiums required in rubles to set the desired pension amount);
• 3093201.56 / 0.16 = 19332509.75 (the amount of money earned by A for his labor activity);
• 19332509.75 / (12 x 40000) = 40.28 years - this should be the experience of citizen A.

For citizen B:

Because we already know the amount that he should earn (19332509.75 rubles), it remains to divide it by the number of years left before retirement: 65 - 22 = 43 years. Now, using an analogy, we calculate the salary required for the specified amount of pension:

• 19332509.75 / (12 x 43) = 37466.10 rubles.

Calculation of pension using the Pension Fund calculator

So, basic quantities that affect the final amount of payments are:

• "white" wages;

Thus, calculating the amount of a pension is a purely mathematical matter: there are clear formulas and algorithms that need to be used to find out the number of pension points, the required length of service or the salary that will need to be received for a given amount of payment.

Therefore, despite the apparent complexity modern technologies allow not to resort to manual calculations - for citizens this can be done by special calculator programs.

For example, for calculation of pension using the Pension Fund calculator you only need to enter the initial data, such as year of birth, official salary, option pension provision(tariff), the number of children being raised, the nature and timing of your labor activity- and the calculator itself will calculate the amount of the pension and display the result within a few seconds.

But it should be understood that the use of calculators does not give an understanding of the structure of the pension system. All the nuances can be understood only if you delve into the legislation of the Russian Federation.

Upon reaching the appropriate age, becoming disabled and in other cases established by law, a citizen receives a certain remuneration from insurance, pension and other funds. In other words, retirement.

Are there any calculation errors?

Pensioners and the disabled belong to socially vulnerable categories of the population. The social security of such persons is guaranteed by the state. Recalculation and revision of pensions is a frequent phenomenon, while no one is immune from incorrect accrual.

Basically, such errors are associated with the human factor, but this is not the only reason. There may also be failures in the operation of the software with which the calculations are made. That is why the question arises as to whether it is possible to check the correctness of the calculation of the pension.

The pension that Russians receive after the recent reform consists of two parts: insurance and funded. Since this system is relatively new, not all of its features are clear, so sometimes there are doubts about the correctness of its calculation.

If a pensioner is not sure that the amount of his pension payments is determined correctly, he has the opportunity to demand adjustments if errors are found.

Where to check

First of all, you should figure out where to check the correctness of calculating the pension. If a pensioner has any doubts about whether he receives the correctly calculated amount, he will have to apply directly to the Pension Fund of Russia. The application should indicate a request to re-verify the correctness of the calculations of the amount of pension payments and submit it to the PFR branch, in accordance with the pensioner's registration address.

Within five days from the date when the application was accepted, where the citizen asks to check the correctness of the calculation of the old-age pension, the PFR employees are obliged to clarify whether the pension was calculated correctly and notify the applicant of the results of the check. If it turns out that the amount of payments was indeed calculated with errors, then, in accordance with applicable law, it will be adjusted automatically.

Brief instructions for verification

In addition to contacting the FIU, it is advisable to know how to check the correctness of calculating the pension yourself. To do this, you will need: a work book and a calculator, a certificate of the amount of monthly average earnings for 5 consecutive years, or for the period from the beginning to the end of the year.

Now it's time to do some math:

1. First you need to find out the size of the seniority coefficient. 55% is taken as the basis. For women, this coefficient is set for seniority, equal to twenty years, for men - for 25 years of work. Every year, if a person continues to work further, the seniority coefficient increases by 1% (but not more than 20%).
2. The average income for one month is calculated. This can be done by dividing the amount of income for five consecutive years by the number of months in five years (sixty).
3. Information will be required on the average monthly salary established in the Russian Federation for the period that was accepted in the calculations in paragraph 2.
4. The average salary in the Russian Federation, which was calculated in the third quarter of 2001 and approved by the government of the country as the basis for calculating pension payments, is 1,671 rubles.
5. The ratio of the number obtained in paragraph 2 to the figure in paragraph 3 is calculated. If we are talking not about residents Far North, then you need to take into account the ratio of 1.2 or less.
6. The estimated amount of payments will be: the length of service coefficient (from paragraph 1) multiplied by the number from paragraph 5 and by 1,671 from paragraph 4.
7. The pension capital is calculated. For this, the following actions are performed:
   • 450 rubles must be subtracted from the value obtained in paragraph 6 (the basic part of the pension as of January 1, 2002);
   • what happened is multiplied by the estimated period during which the payment of old-age benefits is planned (for example, from January 1, 2010 it will be 192 months).
8. The amount obtained in paragraph 7 must be indexed by multiplying by a multiplying factor corresponding to the year. It can be clarified, including on electronic portals, which contain information on how to check the correctness of calculating the old-age pension.
9. The part of the benefit, which is called insurance, will be equal to the result of dividing pension capital for the indicative period during which the benefit will be paid.
10. The result of dividing the total value of insurance premiums on the date of assignment of benefits for the same period that was used for the calculations in paragraph 9 is added.
11. To the result obtained in paragraph 10, you need to add the amount of the basic payment from the insurance fund established by the government. This is the desired amount of pension.

By comparing the result of the calculations with the amount of the pension assigned in the Pension Fund, you can understand whether you should apply for recalculation. Having carefully studied the instructions on how to check the correctness of calculating the pension, you can independently find out if the PFR is right.

Payout by age

To understand how to check the correct calculation of a pension, it is important to know about all actual changes in this matter. Thus, 2015 is notable for the fact that from this date it is planned to gradually increase the minimum value of the total length of service that will be required to accrue pension benefits by age. Previously, it was five years. Starting from the date of the introduction of the changes, over the next ten years, 1 will be added every year, and by 2025 the minimum to be worked out will be equal to fifteen years.

If the total number of years worked for calculating the old-age pension is not enough, then it is possible to apply for appointment social pension. Starting in 2025, it will have to be paid to women over 60 and men over 65.

Hazard pension: useful information

The category of harmful, according to statistics, includes almost 50% of all enterprises whose work is related to industry. Early completion of work and access to a well-deserved rest are a kind of compensation for people who are constantly exposed to risks. That is why the question of how to check the correctness of calculating the harmfulness pension is relevant.

But first of all, you should find out which conditions are considered harmful or dangerous:

• increased level of humidity;
• low degree of illumination;
• high degree of pollution environment(gases, dust, etc.);
• increased noise level;
• labor obligations associated with the use of or being in close proximity to harmful or toxic substances (for example, in the chemical industry).

Before checking the correctness of calculating a pension, it is important to know some of its features. In order to retire ahead of schedule, the total experience of the fairer sex must be at least twenty years, of which at least 10 years the potential pensioner must be a worker in hazardous production. For men, the minimum total length of service is 25 years, of which work in conditions deemed harmful must be twelve and a half years or more.

At the same time, two lists of harmful professions are distinguished. For professions that can be found in list No. 1, the retirement age will come earlier by another five years.

List No. 1 is quite small, it includes people whose labor activity was directly related to underground work, work in hot shops or in production in harmful conditions.

List No. 2 is much wider, it includes: employees of educational and medical institutions, workers in the food and light industries, employed in mining and transport.

To apply for a harmfulness pension, it is enough to contact the PFR branch, which is located at the place of residence, with the following documents:

• the passport;
• a document confirming that a person worked in conditions that give the right to early exit for a well-deserved rest;
• salary statement;
• men will also need a military ID.

The basis for calculating pension payments will be: the amount of contributions to the Pension Fund and the length of service. The provision of additional benefits, as well as the lists of hazardous industries, are reviewed and supplemented regularly.

It should be noted that the list of people eligible for early retirement now also includes people of art (for example, actors), as well as those who earned seniority at enterprises in the Far North.

A little about social benefits

To understand how to check the correctness of calculating the old-age pension, you should know that a pensioner can be charged a social supplement from the federal or regional budget.
For this, the following conditions must be met:

• pensioner should not work;
• the amount of the pension is less than the subsistence minimum established for the region where the pensioner lives.

At the same time, the amount of the additional payment and the actual pension is equal to the subsistence minimum.

If the latter in a certain region is higher than that established in general in the country, then a regional surcharge may be charged.

Instead of a conclusion

Pensioners are considered socially unprotected citizens. It can be difficult, and sometimes even impossible, to live on their income. That is why, in case of any doubts, you should contact where you can check the correctness of the calculation of the pension.

Good afternoon! I wanted to know if there is a fin-econ. examination on the calculation of pensions, or how to check the validity of the calculation of pensions ??? and where? If nothing is achieved from the PF, the calculations do not give, and even after filing an application with the court, the case "tramples" in one place))) The judge suggests making his own calculation and presenting the PF .... and where can it be done ???

Hello, in fact, you can contact a lawyer who specializes in pension law, he will make an independent calculation for you, which you can submit to the court. Otherwise, the court will refuse the requirements for recalculation, since it simply does not have anything to rely on, because, as I understand it, you did not submit your calculations. It is not clear what "do not give" means, file a petition in court to demand documents from the defendant. You need to present an independent calculation no longer in the Pension Fund of the Russian Federation, but in court. The judge will not make a calculation, and she should not do this, you should have attached evidence to the application substantiating the requirements for recalculation, otherwise the claim will simply be left without movement, and the Pension Fund of the Russian Federation must provide its calculation to confirm its position. The defendant must also submit the materials of the pension case to the court, and you can familiarize yourself with it. You could have done this earlier by writing a corresponding application to the Pension Fund of the Russian Federation, you were obliged to appoint a day and a place for familiarization, you can take pictures so that later at home calm environment get acquainted with it. Regarding the calculation, you should call the expert organizations in your city and find out which of them makes such a calculation. I will not name you the organizations, but they can be found, including in the search engine. All the best.

Reply date: 19-05-2016 22:25

Thank you very much for your reply. I clarify that the respondent does not provide the materials of the pension case, although we requested them in statement of claim, the judge says go to the PF and look at the case there, but in the PF they don’t give anything, they start to intimidate and be rude. Regarding photographing, in general, there can’t even be a question, they are a penny. the case is not even given. On the this moment we wrote a petition for the recovery of some documents, we will submit it to the court, we'll see how they provide us. Anastasia Sergeevna You can’t advise a lawyer who specializes in pension law, I’m still worried about one question, could I have reduced the seniority coefficient from 75%, which was from 1995 to 69% since 2001, removing the years of study and processed harmfulness ??? Thank you.

Saint Petersburg and Leningrad region

Hello, what do you mean it doesn't provide. In writing the request, in duplicate, on the receipt note remaining with you or by registered letter with notification. In the application, write like this: "I ask you to set a time to familiarize yourself with the materials of the pension case using technical means." If they refuse, file a complaint with the Office of the Pension Fund of the Russian Federation, the prosecutor's office. But, if you have a court, file a petition within the court and be sure to indicate that they are refusing to familiarize yourself, unless, of course, the application was officially filed and there is evidence. Irina, I can advise you only as part of an online consultation, the case should be entrusted to a competent lawyer in your region specializing in pension law. It is difficult to talk about something without seeing the materials of the case, anything could happen, an error in the calculations, not taking into account some important circumstances. You, of course, before going to court, you had to get acquainted and entrust the calculation to an expert. At the moment, claim in court and ask to postpone the meeting for review, in court you can photograph the entire page without any problems and you can again turn to an expert. Only this, again, should not be a simple calculation, but certified by the signature of a specialist, the seal of the organization, ideally a truly expert institution. The judge will not consider anything, and should not, she will only evaluate the evidence presented, if you present a reliable calculation made by a specialist, and the Pension Fund of the Russian Federation refuses to provide anything, these are their problems, respectively, your calculation will be taken into account when making a decision.

Reply date: 14-07-2016 21:02

Thank you very much, everything is clear! Yes, on the note of the law, this is how it should be, but in reality it turns out differently. Of course, now at the meeting I will file a petition for familiarization, since I didn’t write a statement, I only indicated that the Pence documents were required in the addenda, and the judge ordered the PF, but not in writing, to give ME the opportunity to familiarize myself with Pence’s personal case, it was even the date and time were appointed, but when I arrived, they explained to me that they now had no time and were rudely asked to leave, after such a turn, I no longer want to visit the PF))) then I wrote a letter to the PFRF, I received an answer that the letter sent to the PF at the place of residence on 17 sheets, what was in the letter I didn’t know, and when I got acquainted with my court case, there was a “supposedly” answer from the PFRF, on 2 sheets without stamps and seals, it seems that they wrote it themselves))) I'm not even glad that I started suing this "system" of truth is very difficult to achieve. The Court and the Pension Fund are state organizations, and it is very difficult to fight them. Or you need a lot of money for all EXPERTISE and calculations, or a lot of strength. But let's see how they behave further))) Once again, many thanks for the detailed explanation.

A person who is in old age thinks about how he will live in old age. The amount that the state pays depends on many factors. The main condition is the presence of official earnings, from which money is accrued. If the amount of payments does not suit the citizen, he can challenge them.

How to check the correctness of the calculation of the pension?

To understand if the amount due is correctly calculated, old man applies to the Pension Fund of Russia (PFR). The pensioner writes a statement, on the basis of which the head of the FIU rechecks the amount of accruals.

The application is considered within 5 days from the date of its submission. After consideration, the FIU employees inform the pensioner about the results. If they do not suit him, he can challenge them.

A citizen can send an application by mail, adding to it a copy of an identity card and a certificate of pension insurance.

You can check the status of your account:

• in banking organizations with which the fund has concluded an agreement - Sberbank, Uralsib Bank, Gazprombank, Bank of Moscow;
• on the website of the municipal government agencies. The citizen registers, enters his Personal Area, presses the PFR icon and checks the account data;
• in the PFR branches at the place of residence. The pensioner must provide an identity card and a pension card.

Algorithm for checking:

• filing an application addressed to the head of the FIU to verify accruals;
• in case of refusal, an application is written addressed to the prosecutor to check the work of employees pension fund;
• if the prosecutor's office does not resolve the issue, then the pensioner goes to court.

If the pensioner was paid an underestimated amount due to his fault, then the recalculation of its amount is done from the 1st day of the next month. performed only upon request. If an error is found, recalculation is done automatically.

Where to complain?

If a pensioner is not sure about the correct calculation of the old-age pension, he must apply to the head of the pension fund with an application. It indicates a request for information on the amount of payments made. Fund employees are required to respond in writing.

Documents for applying to the pension fund:

• identification;
• pensioner's ID;
• SNILS.

If, after receiving the extract, the pensioner still has questions, he files a complaint with the regional branch of the pension fund. It should resolve the issue of miscalculation. There he has the right to challenge his position. Situations where the employer gives incorrect data should be carefully studied. A person has the right to challenge the amount of the pension if he believes that he is right.

If this instance cannot help, then you should contact a lawyer to resolve the issue in court. Our lawyer on the site will help you to correctly draw up a claim and answer your questions. Ask a question and they will help you to challenge everything competently and quickly.

How do I dispute an old-age pension?

In order to challenge the assigned old-age pension, you must write an application to the court. It indicates the reason for disagreement with the amount received. The pensioner independently recalculates the received pension from the one that he is entitled to.

Earnings are the main component in the calculation of pensions. The role of seniority in the calculations is insignificant.

The appeal states:

• full residential address;
• problem statement.

In order to contest the assigned pension, you must:

• see for what period the earnings are taken and its size;
• pension is checked.

Is it possible to increase the amount of the pension?

Ways to increase your pension:

• the calculation of the amount of the pension is based on official wage data. It is important to secure the highest “white” salary throughout the entire working period;
• study the process of accrual of money. It is important to know all the changes in the legislation;
• choose the right accrual process. It is important to study all the pros and cons.

The options provided allow a person to increase the size of the future amount of payments. Options are available to citizens who want to make a difference. The lazy can just wait and hope.

A citizen can increase the amount of payments if he works at retirement age. He can refuse all types of pensions and save.

Advantages:

• a significant increase in the size of the pension;
• openness of the method to a wide audience.

Cons - looking for other sources of income.

Working citizens retirement age receive higher amounts. This is due to the fact that they work and pay insurance premiums.

The pension rights of citizens are formed in individual pension coefficients. All previously formed pension rights were converted without reduction into pension coefficients and are taken into account when assigning an insurance pension.

The conditions for the emergence of the right to an old-age insurance pension under general conditions are:

• reaching the age of 65 years - for men, 60 years - for women (taking into account the transitional provisions provided for in Appendix 6 to Law No. 400-FZ). Certain categories of citizens are entitled to the appointment of an old-age insurance pension ahead of schedule;
• for persons holding public positions of the Russian Federation and public positions of the constituent entities of the Russian Federation occupied on a permanent basis, municipal positions substituted on a permanent basis, positions of the state civil service of the Russian Federation and positions of the municipal service - the age specified in Appendix 5 to Law No. 400-FZ . Already in 2017, the process of raising the retirement age for civil servants began six months a year to 65 years (men) and 63 years (women). From January 1, 2021, the step of raising the retirement age will increase - one year per year. Thus, the retirement age for civil servants is brought into line with the proposal on the rate of increase in the generally established age for all.
  

  Moreover, if such persons have an insurance record of at least 42 and 37 years (men and women, respectively), the old-age insurance pension can be assigned to them 24 months earlier than reaching the specified age, but not earlier than reaching the age of 60 and 55 years (men and women, respectively). ).

Citizens who are specified in part 1 of article 8, paragraphs 19-21 of part 1 of article 30, paragraph 6 of part 1 of article 32 of the Law N 400-FZ "On insurance pensions" and who in the period from January 1, 2019 to December 31, 2020 have reached of the age that gives the right to an old-age insurance pension (including its early appointment) in accordance with the legislation of the Russian Federation that was in force before January 1, 2019, or acquire the length of service in the relevant types of work required for early assignment of a pension, an old-age insurance pension may be appointed earlier than reaching the age or the onset of the terms provided for, respectively, in Annexes 6 and 7 to the said Federal Law, but not more than six months before reaching such an age or the onset of such terms.

• Availability insurance experience at least15 years (since 2024) subject to the transitional provisions of Art. 35 of the Law of December 28, 2013 No. 400-FZ;
• the presence of a minimum amount of pension coefficients -at least 30 (since 2025) subject to the transitional provisions of Art. 35 of the Law of December 28, 2013 No. 400-FZ.

The number of pension coefficients depends on the accrued and paid insurance contributions to the mandatory pension insurance system and the length of the insurance (work) experience.

For each year of a citizen's labor activity, subject to the accrual by employers or by him personally paid insurance premiums for compulsory pension insurance, he has pension rights in the form of pension coefficients.

The maximum number of pension coefficients per year from 2021 is 10, in 2020 - 9.57.

How many pension coefficients
can be credited to you for 2020?

Enter your monthly
wages before income tax:

Error! Enter a salary higher than minimum size wages in the Russian Federation in 2020 - 12,130 rubles.

Calculation results

Number of pension points
per year: 9.13

The option of pension provision in the system of compulsory pension insurance affects the calculation of annual pension coefficients. When forming only an insurance pension, the maximum number of annual pension coefficients is 10, since all insurance premiums are directed to the formation of an insurance pension. When choosing the formation of both insurance and funded pensions at the same time, the maximum number of annual pension coefficients is 6.25.

Citizens born in 1967 and younger who have made a choice before December 31, 2015 in favor of forming an insurance and funded pension in the MPI system can at any time refuse to form a funded pension and direct 6% of insurance premiums to form only an insurance pension.

Also, citizens born in 1967 and younger, in whose favor the insurance premiums for compulsory pension insurance will begin to be accrued by the employer for the first time after January 1, 2014, are given the opportunity to choose the option of pension provision (to form only an insurance pension or to form both an insurance pension and a funded one) within five years from the date of the first accrual of insurance premiums. If a citizen has not reached the age of 23 years, the specified period is extended until the end of the year in which he turns 23 years old.

When choosing a pension option, it should be borne in mind that the insurance pension is guaranteed to be increased by the state due to annual indexation. The funds of the funded pension are invested in the financial market by the NPF or management company chosen by the citizen. The profitability of pension savings depends on the results of their investment, that is, there may be a loss from their investment. In this case, only the amount of paid insurance premiums is guaranteed to be paid. Retirement savings are not indexed.

For all citizens born in 1966 and older, the option of providing pensions is the formation of only an insurance pension.

Eligibility for an insurance pension depends on the year in which the insurance pension was granted.

*From 2015 to 2020, regardless of the choice of the pension option in the MPI system, all citizens have pension rights only. In this regard, the maximum value of the annual individual pension coefficient is the same for any option for forming a pension.

The old-age insurance pension is calculated according to the formula:

INSURANCE PENSION = SUM OF YOUR PENSION COEFFICIENTS* PENSION COEFFICIENT VALUE on the date of the pension award + FIXED PAYMENT

SP \u003d IPK * SIPC + FV , where:

• joint venture - insurance pension
• IPK - this is the sum of all pension coefficients accrued on the date of assigning an insurance pension to a citizen
• SIPC - the value of the pension coefficient as of the date of awarding the insurance pension.

When assigning a pension from 01/01/2020 = 93.00 rubles. Indexed annually by the state.

• FV - Fixed payment.

Thus, the calculation of the insurance pension in 2020 is carried out according to the formula:

SP \u003d IPK * 93.00 + 5686.25

Also, the amount of your pension coefficients (IPC) significantly increases the application for the appointment of an old-age insurance pension for the first time (including ahead of schedule) after the emergence of the right to it. For each year of later application for a pension, the insurance pension will increase by the corresponding premium coefficients.

For example, if you apply for a pension 5 years after reaching retirement age, then the fixed payment will increase by 36%, and the amount of your individual pension coefficients by 45%; and if in 10 years, then the fixed payment will increase by 2.11 times, and the sum of your individual pension coefficients by 2.32 times.